Gardner, Grundy County, Illinois Property Taxes
Property Taxes in Gardner, Illinois
Median Gardner, Illinois effective property tax rate: 2.73%, significantly higher than the national median of 1.02%, and higher than the Illinois state median of 2.33%.
Median Gardner, Illinois home value: $136,218
Median annual Gardner, Illinois tax bill: $4,210, $1,810 higher than the national median property tax bill of $2,400.
How are property taxes in Grundy calculated?
Property taxes in Gardner, Illinois are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Gardner's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Gardner, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Gardner, Grundy County, Illinois Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
2.73%
Estimate Property Tax Bill
$3,719
$3,451
How Does the Gardner Property Tax Calculator Work?
Use this Gardner property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Gardner's median effective tax rate of 2.73% — based on actual property records in Grundy County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessor uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Gardner's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Gardner's rate is higher than the Illinois median tax rate of 2.33%, and the median property tax bill is $4,210, which is $1,810 higher than the state median bill. Your bill may vary by ZIP code within Gardner, but the available data shows the same median tax bill of $4,210 in 60424. For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Gardner.
About Gardner Property Taxes
About Property Taxes in Gardner, Grundy, Illinois
Gardner’s median effective property tax rate of 2.73% is higher than the Illinois state median of 2.33% and higher than the national median of 1.02%. This rate reflects the Grundy County base levy combined with local school district levies and other local charges that shape the assessed value tax bill.
Property tax rates are not uniform across Gardner. Homeowners in the 60424 ZIP code carry a median effective rate of 2.73%, while the same ZIP also shows the lowest median rate at 2.73%. That means the city’s tax burden is consistent across the area, but it still sits above both the state and national medians.
Gardner homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the June 1, 2026 deadline each year.
If your estimated bill seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Gardner, Grundy County, Illinois
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Gardner's effective property tax rate to other cities in Illinois and the median property tax rates in Illinois and the U.S.
Our median effective property tax rate (tax bill Ă· assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Gardner Tax Rate
2.73%
Our median effective property tax rate (tax bill Ă· assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Grundy County Tax Rate
2.61%
Median Effective Illinois Tax Rate
2.33%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Gardner, Grundy County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 60424 | 2.54% | 2.73% | 2.73% | 3.70% | 4.08% |
Source: Ownwell
Property Tax Assessment Values Across Gardner, Grundy County, Illinois
When examining property taxes in Gardner, Illinois, understanding the distinction between "market value" and "assessed value" is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Grundy County appraisal district estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Grundy County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month when notices are sent.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Gardner.
For example, the median home price in Gardner is $136,218, with tax bills ranging significantly across the county. 60424 has the highest median home price at $136,218.
Property Tax Assessment Values Across Gardner, Grundy County, Illinois
Source: Ownwell
$25,910
$191,346
$356,782
Median Gardner Market Value
$136,218
Median Grundy County Market Value
$179,043
Median Illinois Market Value
$227,888
Median United States Market Value
$235,294
Property Tax Assessment Values Across Gardner, Grundy County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 60424 | $40,965 | $77,409 | $136,218 | $212,884 | $342,879 |
Source: Ownwell
Property Tax Bills Across Gardner, Grundy County, Illinois
Property tax bills in Gardner are based on the assessed value of a home and the local tax rate set by taxing authorities. The bill is calculated by applying that rate to the property’s assessed value, which means two homes with similar market values can still owe different amounts if their assessments differ. Local budgets for schools, roads, public safety, and other services also shape the final bill.
For homeowners, this means a higher assessed value can lead to a larger tax bill, while a lower assessment can reduce what is owed. In Gardner, the median home price is $136,218, and the median tax bill in zip code 60424 is $4,210. That is well above the national median property tax bill of $2,400 and the national median property tax rate of 1.02%.
Tax bills can vary widely, with the 25th percentile at $2,240 and the 75th percentile at $7,263, showing how much location and assessment can affect what homeowners pay.
Median Gardner Tax Bill
$4,210
Median Grundy County Tax Bill
$4,909
Median Illinois Tax Bill
$5,277
Median United States Tax Bill
$2,400
Property Tax Bills Across Gardner, Grundy County, Illinois
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 60424 | $1,277 | $2,240 | $4,210 | $7,263 | $12,278 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | July 1 |
Links | |
|---|---|
| Grundy Tax Assessor | |
| Website | tax.grundyco.org |